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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,711 | $81,476-34.1% | $102,383-47.5% | $80,925-33.6% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 13.20% | 25.59%-12.4pp | 24.94%-11.7pp | 35.65%-22.4pp |
| Employer contribution / active EE | $2,710 | $3,105-12.7% | $3,870-30.0% | $2,756-1.7% |
| Participant deferral / active EE | $7,769 | $3,871+100.7% | $5,060+53.6% | $4,299+80.7% |
| Admin fee / account holder | $3,332 | $6,717-50.4% | $8,391-60.3% | $6,940-52.0% |